creditmess Posted September 25, 2003 Report Share Posted September 25, 2003 I applied just now for Bank of America Classic US Airways card...My TU score is 633 according to FICO score. I have one unpaid judgement3 Past SOL collection accounts which were not paid.They pulled TransUnion. Instant processing via their website.Got declined because:"Unpaid charged off account(s)"Oh well.. I tried. Link to comment Share on other sites More sharing options...
Swede Posted September 25, 2003 Report Share Posted September 25, 2003 That blows...sorry Link to comment Share on other sites More sharing options...
creditmess Posted September 25, 2003 Author Report Share Posted September 25, 2003 yup it sure does....Bump Page here I come lol.... Link to comment Share on other sites More sharing options...
Xanathos Posted September 25, 2003 Report Share Posted September 25, 2003 Just now did the application...figure I'll test the mettle of my TU report. I'm all antsy now...I've been sitting here waiting for it to process for 5 minutes...I guess the longer the wait, the better? Maybe the computer is mulling it over like the end of Let it Ride where Richard Dreyfuss is waiting on the results of the photo finish of the horse race, lol.Come on, give it to me! I'm a nice guy!Getting sick of seeing this "We're still processing your application" screen. Link to comment Share on other sites More sharing options...
Xanathos Posted September 25, 2003 Report Share Posted September 25, 2003 Your application is pending. Thank you for applying for a US Airways Dividend Miles Visa Classic card. Your application is in a pending status.Please check back in 24 hours to review your application status at https://www.bankofamerica.com/creditcards/decision. Note: This address begins with https not http because it is a secure area. Please be sure to include the "s" when you return for your application status.For your security, you'll need to sign in using information you've just provided on your application.Hmmmmmmmmmm....well, that's an improvement, I guess.....a month ago I would have been dismissed and told "NO!" immediately...here's to hoping. Link to comment Share on other sites More sharing options...
Xanathos Posted September 26, 2003 Report Share Posted September 26, 2003 DEEEEEEEEEEEEEEEEEEEEEnied. Lack of credit history.Blank credit reports suck. Link to comment Share on other sites More sharing options...
Randysbarb Posted September 27, 2003 Report Share Posted September 27, 2003 I thought I would give it a try since TU is my best score...DEENNIIEEDD due to past BK. Back in 1996. By the way, it is supposed to be in dispute. Link to comment Share on other sites More sharing options...
creditmess Posted September 27, 2003 Author Report Share Posted September 27, 2003 BAAHHH!!!! that sucks.. sorry to make you guys apply Link to comment Share on other sites More sharing options...
utman17 Posted September 28, 2003 Report Share Posted September 28, 2003 They approved me, but the pulled equifax in Texas.. Link to comment Share on other sites More sharing options...
Randysbarb Posted September 29, 2003 Report Share Posted September 29, 2003 Do you mind if I ask what your score was Utman17? Link to comment Share on other sites More sharing options...
utman17 Posted September 29, 2003 Report Share Posted September 29, 2003 high 600's at the time. Link to comment Share on other sites More sharing options...
michigangirl530 Posted September 30, 2003 Report Share Posted September 30, 2003 I applied just now for Bank of America Classic US Airways card...My TU score is 633 according to FICO score. I have one unpaid judgement3 Past SOL collection accounts which were not paid.They pulled TransUnion. Instant processing via their website.Got declined because:"Unpaid charged off account(s)"Oh well.. I tried. sorry to hear that creditmess Link to comment Share on other sites More sharing options...
HelpFixMyCredit Posted December 12, 2003 Report Share Posted December 12, 2003 TU - 666 No judgement, 1 deliquency (Student loan paid), Mortgage not reported. 7 inquiries past 6 monthsEX - 629 1 judgement (satisfied), 3 collections Student Loan (paid). ASSET Management Old CC bill $626 (settled with Providian), and CFC Fianancial/ASSET Assement (Old Phone Bill last activity date of 07/1998) $2290. 3 inquiries past 6 months (I wonder why HEHE)'EQ - 643 I had a perfect eq report up until 08/03 damn ASSETT Acceptance placed collection account (old phone bill 07/98 showing up as new account of 08/03). This is the only deliq account along with 1 collection Student Loan PAID. My mortgage recently found its way on to this report .. my score jumped from 605 to 643 (yeah baby). 14 inquiries past 6 months (mortgage shopping)They declined me for the following reason(s):Account(s) in your credit file is or has been over 60 days delinquent Length of time since account not paid as agreed Number of Bank or National accounts with high balance compared to high credit Length of time since oldest account was established Anyway you think I can convince them to reconsider? I'm thinking a human declined me because my account was in "pending" status for about 48 hours before I got my denial letter.Thanks. Link to comment Share on other sites More sharing options...
creditmess Posted December 12, 2003 Author Report Share Posted December 12, 2003 thanks for bumping lol.. now that my TU is at 708 I am thinking about trying again I just have one colleciton on my Tu for like 68 bucks.. I am not sure if I should try to apply or not. Link to comment Share on other sites More sharing options...
nativechild48 Posted December 13, 2003 Report Share Posted December 13, 2003 Depends on how old is the collection Also how many positives Vs negatives, and inquiries.Good luck,native Link to comment Share on other sites More sharing options...
TiredOlNurse2 Posted February 8, 2004 Report Share Posted February 8, 2004 With regard to reattempting CC applications, I applied for two CCs and was denied. Since then I have managed to have 5 paid collections/COs deleted in one shot after 5 years from all CRAs, effectively leaving all reports with one late pay and 6 good PAID ON TIME/PAID IN FULL lines. Now I know an individual can request updated reports be sent to those inquiring companies after a certain amount of time. Was it 6, 8 or 12 months???Thanks Link to comment Share on other sites More sharing options...
utman17 Posted February 10, 2004 Report Share Posted February 10, 2004 They have already offered to increase my limit, I have been denying every card that has offered that, I try not to use them, but now that I got good credit they are all wanting me... Link to comment Share on other sites More sharing options...
sjsharks Posted February 10, 2004 Report Share Posted February 10, 2004 (edited) 9 months for bofa 6 months for citi 4 months for mbna. BUT, mbna will be the FIRST to jack your rate if you are at 70+ percent of your assigned credit limit.________Today Edited February 3, 2011 by sjsharks Link to comment Share on other sites More sharing options...
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